Notice: This website and its contents are for Medicare Supplement Insurance informational purposes only. does not sell Medicare Advantage Plans or Part D (Find Medicare Prescription Drug Plans). Medicare has neither reviewed nor endorsed this information.

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Medicare Advantage Plans

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Medicare Advantage Plans

This page is designed for informational use, as we do not sell medicare advantage plans. We believe in true MEDIGAP plans or Medicare Supplements to go along side your Medicare Part A and Part B. The site is not, nor is it endorsed or approved by medicare to sell medicare advantage plans. If you have medicare advantage questions call a Medicare Advantage orginization like ehealth toll free ay 1-877-531-5664


The questions we get asked most frequently,"Is There Advantages To Medicare Advantage Plans?"

Medicare advantage plans are plans that offer you other options in Medicare. A Medicare advantage plan is an actual Medicare plan that is offered by private insurance companies. They are approved by Medicare and you will have all of the protections and rights of original Medicare. They are also referred to as Medicare part C. A Medicare advantage plan may offer extra coverage that original Medicare may not. They may include dental, vision coverage, natural back pain alternatives and usually some type of prescription drug coverage.

There are many different types of Medicare Advantage Plans. The most common plans are Health Maintenance Organization plans (HMO) or Preferred Provider Organization Plans (PPO). If you use an HMO plan you can only use health care providers or hospitals on that plan’s network. If you use a PPO, you can go to providers outside of a network but you will pay more if you do. Another common Medicare Advantage Plan is Private Fee-for-Service Plans (PFFS) where you can go to any health care provider and the insurance company will determine what it will pay for your services. You may want to research SEP.

The cost of a Medicare advantage plan depends of several factors. Your plan may charge in addition to Part B, or the plan may pay any or the entire monthly part B premium. Some plans may have deductibles. Copayments that you pay at time of service may vary greatly. Costs will also be impacted by your own health care needs and how often will need to use a health care provider. Some plans have a yearly maximum out-of-pocket cost.

There are a few requirements when joining a Medicare Advantage Plan. You must already have Medicare Part A and Part B. Usually you will not qualify if you have End-Stage Renal Disease (ERSD). You also need to live with in the specific service plan area.

There are many things to consider when deciding on a Medicare Advantage plan. If you have a Medicare Advantage plan, you do not need to have a Medicare Supplement plan. If you have a Supplemental plan you will want to cancel it when switching to an advantage plan. Also, there are only certain times a year that you can join Medicare Advantage plans. When you become eligible for Medicare you have 3 months before and 3 months after the month that you turn 65 to enroll. If you have a disability the time period to join is 3 months before and 3 months after the 25th month of your disability. Open enrollment each year is usually between October 15th and December 7th.


DOnt forget to check out MEDICARE ADVANTAGE GAP PLANS to fll the gap of an Advantage Plan.

There is so much that you need to know when deciding what plan is right for you and then what plan will be the best for your situation. To help with sorting all of the information you can call 1-800-MEDIGAP (1-800-633-4427) to speak with someone who can help with a private insurance policy to supplement your Medicare.

Medicare Advantage Plans

What Is A Medicare

Medicare Part A is hospital insurance and can help you with health care expenses in the event that you are admitted to a hospital or a nursing facility. It can also help cover the costs of hospice and home health care.

Medicare Part B is medical insurance. It helps with things like doctor visits, certain pieces of medical equipment and outpatient procedures.

Medicare Part C is known as a Medicare Advantage Plan and offers the same benefits as Part A and Part B through a private insurance company. Part D can help cover the expenses associated with prescription drugs and like Part C, is offered by private insurance companies that have been approved by Medicare.

Medicare Part C, or Medicare Advantage Plans are usually managed care plans. This means that they either operate through a HMO (health maintenance organization) or through a PPO (preferred provider organization. You are usually required to select a primary care physician whom you will see for regular visits. When you need to see a specialist, your primary care physician needs to provide you with a referral. The doctors and medical facilities you use need to be part of your plan’s provider network. (WE DO NOT OFFER MEDICARE ADVANATGE)

In addition to offering the same coverage as Medicare Part A and Part B, a Medicare Advantage Plan (Part C) can also offer additional coverage. These benefits can include vision, hearing and dental that are not covered on an Original Medicare Plan. Most Medicare Advantage Plans also include

Medicare Part D (prescription drug coverage).

If you feel the best plan for you is a Medicare Advantage, here are 5 Tips to help pick a Medicare Advantage Plan

  1. If you have developed a serious chronic illness, or similar condition, you may want to consider dropping Medicare Advantage and returning to or choosing Original Medicare. You may pay a little more with your Part D and Medicare Supplement, added to cover your drug prescriptions and copayments and co-insurance. But you will have access to larger list of doctors, hospitals, and specialist, critical for any serious medical condition.

  2. Pay attention to the stars! The federal government rates Medicare Advantage Plans, and only a small group get all 5 stars. Even though Open Enrollment ends on December 7, you can change to a 5 star plan, between December 8 and next November 30.

  3. Make sure your drug prescriptions are covered under your Medicare Advantage Plan. The formulary is always changing, plans add and remove drugs and fluctuate on co-payments and deductibles.

  4. When shopping for a plan, make sure to pay attention to the total Plan's cost, and not just the monthly premium.

  5. If you plan on traveling to another part of the country for several months at a time make sure where ever you go, your have coverage in the area, and can find a compatible pharmacy.

We have chosen to work with eHealth to make sure you have a path to this options. In most cases we believe a Medicare Supplement is the right choice for our visitors, but if you find your self needing a Medicare Advantage Plan call eHealth toll free 1-877-531-5664 (TTY users 711)

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With over 150 insurance companies offering medicare supplemental insurance, isn't nice to have one toll free hot-line to call to get unbiased information on many of the top plans in your area. Our team works hard 7 days a week to ensure a high level of customer service, taking time to make sure our customers get exactly what they deserve. Here at the 1-800-MEDIGAP EXCHANGE, our team members are trained and incentivized by the quality of service they provide, not what plan they enroll a member in.

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Medicare has neither reviewed nor endorsed this information.

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.